Our partners & alliances

ACI partners with industry-leading providers to deliver complete and integrated solutions for the payments industry. Our partnership and alliance programs offer select partners access to our best-of-breed solutions, backed by strong sales, service and support organizations, to achieve mutual long-term success. These relationships are built on ACI’s core principle of maximizing the total economic impact for our customers.

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Accela

Accela, Inc. provides the leading civic engagement platform solution, powering thousands of services and millions of transactions daily for large and small public agencies worldwide. Accela connects governments to citizens to accelerate & streamline civic land management, licensing, asset management and public health and safety processes for over 500 government agencies.

Accuity

Accuity provides the ability for ACI On Demand clients who use wholesale payment solutions to select from up to 49 watchlists for the purpose of maintaining global regulatory compliance and performing due diligence screening. This information helps ACI's On Demand clients to more accurately identify entities that may represent a risk due to any number of government-sponsored sanctions, embargo or “restricted trade” programs.

ACE Software

ACH Payment Solutions

ACH Payment Solutions Inc. (ACHPS) offers online and paper check processing, bill pay, and associated collection solutions to companies of all sizes from full enterprise interfaces to simple online gateways. We pride ourselves on speedy and efficient integrations and easy to use solutions. We start with our client's needs and work from there and will never try to force our clients into a solution that doesn't fit their business.

ACHPS via its Prepaid Energy Solutions and CashPayToday.com divisions have over 40,000 real-time cash accepting locations throughout the United States. We offer our biller clients the unique advantage of strategically establishing new pay stations targeted to the specific location, convenience and demographic of its customer base.

Alliance Data

The businesses of Alliance Data — Retail Services, Epsilon, and LoyaltyOne — offer an unmatched breadth of capabilities designed to help you grow your business. Our solutions are bound by a common characteristic: the use of transaction-rich consumer data. We use this data to develop customized solutions that help you connect with your customers and build long-lasting relationships that drive sales, foster loyalty, and grow your business.

Alpha Payments Cloud

Alpha Payments Cloud, through the APC Product Hub, has created a unique payments ecosystem that connects acquirers, merchants, and product providers onto one single platform. By creating a payment product exchange in the Product Hub and eliminating the need for all members in the value chain to ever undertake another integration again, Alpha Payments Cloud offers instant and seamless access to every aspect of the payments world.

AltaPay

AltaPay is a Danish Payment Management Company that provides eCommerce businesses with global payment processing solutions. We implement optimal payment solutions for our clients by connecting them to a wide array of global and local financial institutions through the AltaPay platform.
Regardless of where your business is located, AltaPay combines IT and payment excellence with full end-to-end support services. The process starts with a thorough analysis of your current business model to find the most suitable payment strategy before we negotiate the best rates with financial partners and assist with reporting, bookkeeping and technical support.
We are experts in the many variables that occur during each transaction and the costs these can incur. With this knowledge, we’ve created the AltaPay platform that gives you the best and most secure payment process so you can focus on growth and global expansion.
AltaPay makes payments less complicated.

American Express

American Express and ACI work together in the financial services industry providing robust interchange solutions to ACI's financial institution customers. ACI works closely with American Express to develop new products for ACI's customers, as well as deliver high quality products which conform to American Express specifications in a timely manner.

Andera

Andera is a Software as a Service company that offers a mobile account opening and loan application platform called oFlows. The oFlows platform leverages mobile technology to simplify the way banks and credit unions open accounts and generate loan applications - online, out in the community, in branches, and over the phone. oFlows has been proven to reduce application processing times, increase cross-selling success rates, and improve customer and member satisfaction.

API Outsourcing

API Outsourcing, Inc. (API) is a leading business process outsourcing (BPO) provider in finance and accounting outsourcing (FAO) supporting both front-office and back-office automation to reduce costs, strengthen controls and improve service levels. Through a combination of API's expertise, scalable technology, standardized processes, efficient delivery centers and world-class customer care staff; API is able to provide customers with innovative services which meet their service and budget requirements.

AT&T

AT&T is bringing it all together for our customers, from revolutionary smartphones to next-generation TV services and sophisticated solutions for multi-national businesses.
For more than a century, we have consistently provided innovative, reliable, high-quality products and services and excellent customer care. Today, our mission is to connect people with their world, everywhere they live and work, and do it better than anyone else. We’re fulfilling this vision by creating new solutions for consumers and businesses and by driving innovation in the communications and entertainment industry.
We’re recognized as one of the leading worldwide providers of IP-based communications services to businesses. We also have the nation’s fastest mobile broadband network and the largest international coverage of any U.S. wireless carrier, offering the most phones that work in the most countries; the largest Wi-Fi network in the United States based on branded and operated hotspots; and the largest number of total broadband connections in the United States.

Bank of America Merchant Services

Bank of America Merchant Services provides comprehensive payments options, from credit, debit and prepaid cards to merchant loyalty, check and ecommerce payments.
As the number one-rated electronic payments processor in the industry,* we can deliver greater efficiencies and convenience, more options and enhanced peace of mind. Together, we offer you more.

BIAN

Established in 2008, The Banking Industry Architecture Network (BIAN) is an independent, member owned, not-for-profit association to establish and promote a common architectural framework for banking interoperability issues. BIAN’s goal is to define SOA and semantic definitions for IT services in the banking industry. The community focuses on creating a standard semantic banking services landscape, while ensuring consistent service definitions, levels of detail and boundaries. This will help banks to achieve a reduction of integration costs and utilize the advantages of a service-oriented architecture.

BSP Consulting

BSP Consulting, is an international consulting firm, focused on SAP solutions, based in Argentina. BSP specializes in services around core banking, covering all SAP modules for the banking industry, including frontend and backend functions. We offer our customers, training, support and consulting solutions concerning SAP banking implementations. We provide the know-how and experience in the development of SAP NetWeaver PI, ABAP & JAVA.

CFCA

The Communications Fraud Control Association was founded in 1985 to combat the growing problem of communications fraud. Members of the CFCA include some 200 carriers, private network owners, law enforcement officers and others around the world. The Association sponsors educational events that discuss how to combat communications fraud and protect communications companies’ assets.

Donald R. Frey & Co.

Donald R. Frey & Company, Inc. provides Utility Billing, Customer Information System and accounting software serving governments and non-profits throughout the US and abroad since 1974. Donald R. Frey & Company has been an Exclusive Marketing Partner of ACI / Official Payments Corp. since 2006.

DRF

In 1989 a group of dedicated payment professionals set aside issues of competition and confidentiality to achieve an unprecedented objective. They had a vision of merchants, acquirers and card companies gathering with a common purpose of improving the payment environment for the benefit of all customer not present merchants. Today, because of the foresight of these individuals, hundreds of participants meet annually to share knowledge, renew acquaintances and influence change in the payments industry.
For twenty-one years the Forum has provided premium educational sessions that give merchants relevant insight into current CNP rules, regulations, and processes. The DRF is the only industry gathering that is 100% education focused.

EMV Migration Forum

The EMV Migration Forum is an independent, cross-industry body created by the Smart Card Alliance to address issues that require broad cooperation and coordination across many constituents in the payments space to promote the efficient, timely, and effective migration to EMV-enabled cards, devices, and terminals in the United States. ACI’s Dan Heimann, was elected the vice-chairman of the steering committee by his committee peers. In this role ACI and Dan help steer the industry to consensus on tough EMV issues like debit, testing and certification and education about EMV. Read more >>

eWAY

At eWAY, we believe merchants deserve an easy way to accept credit cards – so we made it happen. eWAY is a fast, secure connection between your website and your bank. Customers don’t have to leave your site, they don’t have to enter their card number for repeat purchases, and the funds go directly to your bank.
With 60+ UK shopping carts, more than 500 development partners and loads of powerful tools to increase your sales, eWAY helps you make more money, more often.

FairCom

Faircom provides the c-tree ® server for use by the BASE24-eps product. This provides a simple, easy to manage, high performant database solution to meet the high demands of an online financial payments application.

FEVAD

FEVAD is France’s premier ecommerce association, run by and for France’s ecommerce merchants. The Association brings together 370 companies and almost 600 websites. ACI is an Associate member of FEVAD, committed to supporting the security of France’s online merchants, domestically and as they expand across borders.

First Data

First Data is committed to helping our customers get the most out of their payment solutions. First Data looks for every opportunity to help customers get more value from every transaction. We develop innovative solutions to make payments simpler, faster, safer and more rewarding.

Fraud Womens Network

Any woman who works in the anti-fraud arena will know that it can sometimes be a rather male environment, in which there are few senior female executives. The Fraud Women’s Network (FWN) has therefore been set up to bring together women involved in all aspects of fraud prevention, detection, investigation and prosecution, to network and to share best practice, information and experience in order to help tackle the threat from fraud and organized crime head on.

FSSI

Financial Statement Services, Inc. (FSSI) was founded in 1980 and has grown to become one of the largest independent woman-owned providers of statement services in the western United States. FSSI delivers highly customized variable-data printed and electronic document production and distribution solutions that help their clients save money and communicate more effectively with their customers.

GlobalCollect

GlobalCollect started in 1994 as a division of TNT in order to add value to its distribution services by enabling international publishers to invoice worldwide as well as to accept payments in local currencies. As a result, GlobalCollect managed to establish a unique worldwide financial network, which enabled customers to outsource their entire collection and reconciliation process.
GlobalCollect BV was registered as an independent entity in 2000, after our services started to interest other industries beyond TNT’s initial client base.

Harris

N. Harris Corporation is the nation's leading mid-market municipal utility CIS software solutions provider. Harris is comprised of 19 different business units / product lines delivering solutions to over 10,000 clients across North America with over 50 offices and 2,000 employees located in every state and province. ACI’s interface with the HPG-Harris Payment Gateway middleware enables ACI to connect to all of the Harris Utility Group business units / products.

HP

HP and ACI have partnered since the mid-1970s to deliver high performance and highly available ATM and Point-of-Sale systems to the financial services industry. ACI's BASE24 and BASE24-eps offer retail payments solutions, along with HP's line of NonStop Servers provide world class electronic funds transaction capability around the world. ACI is a member of HP's Developer and Solution Partner Program (DSPP). Read more >>

HP Atalla

HP Atalla solutions build on HP’s 38 years of innovation in encryption technology to deliver advanced protection for data stored on-premise and in the Cloud; as well as unstructured data such as: confidential emails, payment information and electronic health records. Designed for organizations that need to protect sensitive information, including financial institutions, retailers, energy companies, healthcare providers and governments, HP Atalla encryption solutions safeguard data throughout its entire life cycle – whether at rest, in motion, or in use – across cloud, on-premises and mobile environments, to ensure continuous protection of an organization’s most sensitive information while maintaining optimal performance and flexibility.

IBM

IBM and ACI have partnered since the mid-1980s to provide financial institutions highly reliable and full function applications for transaction processing, transaction settlement, and card management applications. In 2007, IBM and ACI deepened their commitment to each other through an extensive partner alliance agreement whereby ACI will make its entire set of integrated solutions available on the IBM System z and System p servers. Read more >>

IFX

ACI has been a member of the Interactive Financial Exchange (IFX) Forum since 2002 in an effort to standardize the various specifications we support. IFX was formed in 1997 to create a messaging standard for financial services that would address the challenges faced with the advent of network-based computing models. Based on the work previously done by the Open Financial Exchange (OFX) and IBM/Integrion GOLD standard, the Forum proceeded to re-invest all of the knowledge gained from those standards to design a next generation XML standard that would be usable in many types of environments, extensible to cover many types of financial transactions and globally focused in recognition of the increase need to communicate around the world.

Inseva Technologies

Inseva Technologies is based in Istanbul, Turkey. We provide payment solutions, including fraud prevention and compliance, and transaction monitoring services to help mitigate financial and reputational risk associated with payments. We work with payment processors, e-merchants and banks.

Interactive Intelligence

Interactive Intelligence Group, Inc. (NASDAQ: ININ) is a global provider of contact center, unified communications, and business process automation software and services designed to improve the customer experience. Our IP business communications solutions, which can be deployed in the cloud or on-premises, unify every aspect of contact center and enterprise interactions for reduced costs, simplified management, and improved customer service.

Interactive Media in Retail Group

The UK’s industry association for global e-retailing. IMRG (Interactive Media in Retail Group) is a membership community, set up to develop and share the latest best practice advice to enable retailers to succeed in the world’s most competitive online market. IMRG is the recognised authoritative voice of e-retail, supporting and promoting online shopping and digital commerce since 1990.

iovation

iovation protects online businesses and their end users against fraud and abuse through a combination of advanced device identification, shared device reputation and real-time risk evaluation. More than 2,300 fraud managers representing global retail, financial services, insurance, social network, gaming and other companies leverage iovation’s database of Internet devices and the relationships between them to determine the level of risk associated with online transactions. The company’s device reputation database is the world’s largest, used to protect more than 10 million transactions and stop an average of 200,000 fraudulent activities every day. The world’s foremost fraud experts share intelligence, cybercrime tips and online fraud prevention techniques in iovation’s Fraud Force Community, an exclusive virtual crime-fighting network. For more information, visit www.iovation.com.

IP Commerce

Based in Denver Colorado, IP Commerce began in response to a new era in commerce and by offering a unique, open Platform-as-a-Service (PaaS) that effectively functions as an OS for Commerce.
The IP Commerce Platform enables today’s application developers to innovate customized, scalable commerce solutions. Working on the Platform, Application Developers can better respond to payment-driven businesses that consistently need new ways to create and enhance consumer relationships.
The Platform enables developers to create customized, multi-channel commerce applications and payment workflows that incorporate all channels (Retail, eCommerce, Mobile, Back Office) and all touchpoints (POS, Web, E-wallet, etc.). The IP Commerce Platform takes commerce application development into the realm of commerce innovation.

iPay

iPay provides small business Bill Payment capability to ACI's Enterprise Banker Solution within the ACI On Demand service. The iPay solution functionality includes Interbank Transfer and On-line Invoicing for a financial institution's small business customers.

IPFA

The International Payments Framework Association (IPFA) provides rules, standards, operating procedures, and guidelines to improve cross-border payments. And because globalization is driving a broader base of clients who demand a more cost-effective, less complex, and more certain payment service with a wider reach, standardization is more important than ever.

ISO

ACI participates in the International Standards Organization (ISO) in a variety of ways having access either thru IFX or the X9 organization. ACI’s involvement in ISO involves ISO Technical Committee 68 (TC68) and the developing/updating of standards that ACI either supports or will support in the future. ISO/TC68 is the ISO standards development committee designated to develop standards and technical reports for the financial services industry. The financial services industry includes depository institutions, which traditionally are recognized as banks, non-depository institutions or finance companies, consumer and commercial lenders that raise funds in the capital markets, the buy and sell side of the securities markets, private equity firms, mutual fund complexes, central banks, electronic clearing networks and other financial intermediaries, and mortgage and insurance companies. Originally formed in 1948, ISO/TC68's work continues to grow in importance as new technologies, financial products, cross-border processes evolve.

MasterCard

MasterCard and ACI are partners in the financial services industry providing robust interchange solutions to ACI's financial institution customers. ACI is a global member of the MasterCard Vendor Program, whose mission is to provide best-in-class support to MasterCard vendors to partner in new products design and development, and to facilitate delivery of high-quality products following MasterCard specifications in a timely manner.

Megabyte Systems Inc.

Megabyte Systems, Inc. is the developer of Megabyte Property Tax System (MPTS), the leading California property tax system software serving California counties for over 30 years. Megabyte Systems, Inc. serves 22 California counties who have valued over 2.2 million parcels, have apportioned over $5.8 billion to taxing agencies and have processed over 2.1 million tax bills.

Merchant e-Solutions

Merchant e-Solutions is an Internet technology focused company that has a full-service payment platform for financial institutions and merchants. Founded in early 2000, industry veterans, primarily former executives from Bank of America Merchant Services, took advantage of technology and experience to create an industry leading payment processing platform. Today, by combing the latest technology and industry expertise, with a customer centric focus, we continue to innovate easy-to-use solutions for the payment industry.
We currently process more than $14 billion dollars per year in domestic and international payments for more than 65,000 merchants, with over 250 financial institutions utilizing our merchant acquiring platform. Our solutions support a complete merchant processing service infrastructure for a variety of sales channels including e-commerce and traditional retail transaction processing. With transaction processing speeds of less than a second, and redundant payment servers providing availability of 99.99%, we are positioned to support the needs of our customers both now and in the future.

Microsoft

Microsoft and ACI have partnered since the mid-1990s to provide robust applications to the financial institution and merchant retail industry. Many of ACI's products execute on Microsoft's Windows operating system using MS SQL as the transaction database. ACI is a member of Microsoft's Solution Partner program which allows access to Microsoft's performance benchmark centers for application testing.

Microtec

Mi-Pay

Mi-Pay provides a unique and extensive portfolio of client branded, mobile payment services for mobile operators, financial service providers, utility companies and media owners from our offices in the UK, Romania, UAE, and India.
With live, client-branded services in the United Kingdom, Europe, Africa and the Middle East, Mi-Pay is working with key partners and clients to build mobile initiated financial services on a global scale in a new model for the 21st Century.

MoneyGram

MoneyGram International Inc. (MoneyGram) is a leading global money transfer and payment services company. In fact, we're the second largest in the world, with market-leading growth. We provide quick and reliable worldwide funds transfer through our vast network of more than 347,000 agent locations - including retailers, international post offices and banks - in more than 200 countries and territories, and through mobile and online channels. MoneyGram offers convenient services to consumers around the world.

Our diverse and innovative products enable customers not fully served by traditional financial institutions to meet the monetary demands of their daily lives. We are a globally recognized and trusted brand who works hard to prevent and stop fraud and protect our consumers.

MRC

Near the turn of the millennium, as the Internet was opening new markets and e-Commerce was beginning its rapid growth, a group of merchants joined together to share information and best practices about keeping electronic commerce safe and secure. As e-Commerce grew and fraud became more sophisticated, the Merchant Risk Council (MRC) was formed to increase networking and information sharing among merchants to better enable them to successfully fight online fraud.
Today, with over 900 members representing over 300 member companies across the globe, the MRC not only continues to provide a platform for information sharing and discussion, but acts as an advocate for e-Commerce merchants, providing a unified voice for improving the industry as a whole.

MShift

MShift is a leader in the field of mobile banking with over 200 financial institutions utilizing their innovative technology to offer mobile banking to customer users. MShift offers a mobile browser based solution for ACI Enterprise Banker that allows end users to conduct business banking anywhere and at any time

NORA

OnePAY

OnePAY represents MasterCard to provide online payment solution to the enterprises in Vietnam. Payment portal system of OnePAY is trusted by big banks in the world such as ANZ, HSBC AND ICICI. OnePAY payment portal meets standards of international financial system such as PCI DSS of PCI Security Standards Council, 3D-Secure of Visa, MasterCard and JCB. OnePAY is also cooperating with 6 State-owned banks and Vietnam largest joint stock banks to develop non-cash payment channel in a diversified manner.
As one of the payment service providers in Vietnam market, OnePAY is now leading in the online payment service providing market. From online transaction processing service for international cards, OnePAY gradually expands its online payment channel including payment via Internet, payment via ATM, POS, Internet banking, SMS banking by connecting with all banks in Vietnam. OnePAY keeps expanding its services to provide e-commerce business instruments and solutions to Vietnam and Indochina markets.

Ontario Systems

Ontario Systems, LLC is a leading provider of accounts receivable and strategic receivables management solutions for the collection and healthcare industries. Offering a full portfolio of software, services, and business process expertise, Ontario Systems customers include nine of the 10 largest collections agencies, and three of the top six best health systems in the U.S., with 55,000 representatives in more than 500 locations.

To learn more about how Ontario Systems, visit OntarioSystems.com, or email info@ontariosystems.com.

Oracle

Oracle provides ACI's retail payments, risk management, and wholesale payments customers with a highly functional database solution option. ACI's membership in the Oracle Partner network (OPN) provides ACI the technical and product support required for a successful implementation at customers who select Oracle as their database of choice.
ACI also has a long history as a distributor of Oracle GoldenGate and continues to integrate Oracle GoldenGate software with other ACI products. Customers requiring the highest level of system availability use Oracle GoldenGate software to keep data consistent across multiple physical systems in the event of a system failure and subsequent failover.

OrderDynamics

OrderDynamics is a leading cloud software and big data company that believes the order is the moment of truth – when profits can be made or lost. With more than 80 clients in 33 countries, we help the world’s leading retailers activate commerce from first interaction to final fulfillment with our Dynamic Action, Commerce Platform and Order Management solutions and services. We empower agile and intelligent commerce experiences so that our clients, including Neiman Marcus, Brooks Brothers, Speedo, Laura Canada, T.M. Lewin and Asda Direct, win at that very moment of truth.
OrderDynamics is headquartered in London, with offices in Silicon Valley, Toronto, France, India and Bulgaria. Connect with us at www.orderdynamics.com and @OrderDynamics on Twitter.

OutReach Sales Consultancy

OutReach Sales Consultancy is focused on delivering innovative payments solutions. We operate both as a sales agency and a consultancy, and use our experience in payments to improve the business opportunities and sales effectiveness of our partners.
We work with partners in three ways:
1. Direct representation: by taking a sales agency role we ensure our partners increase sales reach and sales volumes
2. Business development: we help companies enter new markets and find real opportunities
3. Sales enablement: we improve sales effectiveness and margins

P. T. Abhimata Persada

PAY.ON

PAY.ON AG is one of the world’s leading operators of payment infrastructure systems and supplier of the PaySourcing white-label platform and the PayPipe routing gateway. PAY.ON’s partnership with ACI enables all PaySourcing clients to accept payments in a safe and secure way, protected by ACI ReD Shield. All PAY.ON systems are compliant with pertinent security standards and the requirements of the international payment market.

Paymate

Paymate provides secure, reliable and innovative Internet-based payment services for sellers in Australia, New Zealand and the USA targeting buyers in 60 countries around the world.
Our mission is to help you trade with the world. We pride ourselves on being trusted for the secure conduct of financial transactions, reliable in all our dealings and friendly in delivering services to our clients.
You can use Paymate to receive online payments via credit card. You do NOT need to have a merchant facility with a bank, a secure website or gateway processor service. Simply register online to start receiving payments!
You can also use Paymate to make secure payments to any registered Paymate seller, without disclosing your personal or financial details. You can use a credit card to make a payment in Australian Dollars, New Zealand Dollars, US Dollars or other currencies.
You do NOT need to be registered with Paymate to make an Express Payment via credit card!

Quova

We help you determine the geographic location of all routable IP addresses assigned, allocated and in use on the Internet. In addition, Quova has researched and recorded the network characteristics of these IP addresses that can provide valuable insight into routing methods, connection types, domains, organizations, whether someone is coming to your site via a mobile gateway as well as Internet Service Providers (ISPs). Our customers and partners are better able to determine the cyber location and context of their customers, allowing them to be confident that the customer is where the IP address is, as well as an electronic signature of that customer’s connection.

RR Donnelley

RR Donnelley (Nasdaq:RRD) helps organizations communicate more effectively by working to create, manage, produce, distribute and process content on behalf of our customers. The company assists customers in developing and executing multichannel communication strategies that engage audiences, reduce costs, drive revenues and increase compliance. RR Donnelley's innovative technologies enhance digital and print communications to deliver integrated messages across multiple media to highly targeted audiences at optimal times for clients in virtually every private and public sector. Strategically located operations provide local service and responsiveness while leveraging the economic, geographic and technological advantages of a global organization.

RSA/EMC2

RSA "Adaptive Authentication" authenticates Enterprise Banker users at login to the site. Users are presented with challenge questions or a phone call if the login activity is deemed risky or suspicious.

Sage Pay

Making it safe and easy for your customers to pay you is essential – payment channels aren’t just a part of your business, but its lifeblood.
At Sage Pay, we recognise that every successful business needs a healthy flow of customers and money – which is why we deliver secure and efficient payment services that will help to increase cash-flow and improve your bottom line.
We process millions of secure payments each month for over 30,000 businesses. Our customers range from start-ups through to major online, consumer and business brands. Our payment services range from the very simple to the most sophisticated tailored solutions. We’re committed to providing you with the best 24/7 customer service
So no matter how your business changes or grows, choosing a payment solution from Sage Pay will make money move quickly and securely from your customer through to you.

SCSK Corporation

The SCS company provides IT services through its four business segments: distribution and manufacturing solutions, financial system and ERP solutions, global solutions, and platform solutions. Based on a wealth of experience and know-how accumulated over the years, and the excellent results they have achieved, SCS offers a one-stop solution covering everything from IT infrastructure to application development. They are the ideal partner to lead your business to success.

SecureTrading

SecureTrading offer a reliable and secure fully Level 1 PCI DSS compliant internet payment gateway.
Each year we process billions of pounds of transactions, with the leading retail, telecommunications, gaming, education and social companies trusting us to handle their payments every day.

Shaw Systems

Shaw Systems has been a pioneer in automating the lending industry since 1967. Over 300 clients in eight countries have benefited from using our software products. We provide complete solutions for loan and lease servicing and collections and recovery.

Solutions by Text

Solutions by Text identify and streamline communication efficiencies with a vast array of businesses. With a solid foundation of understanding the need to communicate with customers through text messaging, SBT has advanced their business model to include the installment loan industry, utility companies, the medical billing industry, self-storage industry, PDL and rent-to-own industries. The consumer preference for texting provides a low-cost solution for billing reminders, “call-to-action” collection alerts and marketing messages for repeat business.

SourceHOV

SourceHOV is a global provider of business process solutions, strategic consulting and data analytics services to a wide variety of industries including healthcare, financial services, legal, government, publishing, manufacturing, retail and other commercial entities – including more than half of the Fortune 100.

Spectrum Message Services

Spectrum provides mobile alerting solutions for ACI’s main platforms. The company provides a complete interactive SMS, email and mobile browser solution for Near Real Time alerting. Not only does Spectrum provide connectivity to the communications gateways, the product also provides cardholder registration tools, billing, reporting, interactive blocking, two factor authentication and other mobile phone based interactions. The standard integration with BASE24-eps and Proactive Risk Manager allows a quick entry for ACI customers into the mobile market. Mobile alerting can generate revenue whilst reducing fraud. Spectrum’s products have been working in excess of 10 years with ACI’s products.

STS PayOne

STS PayOne (a subsidiary of STS) is a leading regional provider of ePayment solutions and services. With its headquarters in Dubai, the company today serves an increasing number of clients in GCC, Middle East and Africa. Utilizing its in-house developed technology, STS PayOne is able to deliver mission critical, PCI compliant enterprise-scale solutions that are processing tens of millions of transactions per year.

SWIFT

SWIFT is a member-owned cooperative that provides the communications platform, products and services to connect more than 9,000 banking organisations, securities institutions and corporate customers in 209 countries. SWIFT enables its users to exchange automated, standardised financial information securely and reliably, thereby lowering costs, reducing operational risk and eliminating operational inefficiencies. SWIFT also brings the financial community together to work collaboratively to shape market practice, define standards and debate issues of mutual interest. SWIFT operates a programme to certify business applications and middleware compliance against SWIFT requirements - the SWIFTReady programme uses stringent criteria that are SWIFT specific and reviewed on a yearly basis. Companies meeting the criteria are awarded a SWIFTReady label. The label helps customers in their selection of a supplier and provides the insurance that the product or service meets the highest levels of quality. ACI's Money Transfer System has been awarded the SWIFTReady label for Payments consistently every year since the inception of the programme, and ACI's Open Account Manager solution also currently holds the SWIFTReady Trade Services Utility label.

Syscom Computer Engineering

TeleSign

Every second, of every day, TeleSign helps global web properties safeguard user identities and verify online transactions, by leveraging the phone as an authentication device. TeleSign protects companies, including the world’s largest Internet and Cloud properties, by delivering smarter fraud-prevention and authentication products with direct access to phone-based data. The company protects 2.5 billion downstream accounts in more than 200 countries, offering localization services in 87 languages. TeleSign smarter authentication solutions provide an easy-to-implement and powerful method for identifying and substantially reducing online fraud and spam.
TeleSign and ACI have partnered to create a comprehensive defense against fraud. The joint-solution enables merchants to detect fraud more efficiently, reduce the costs of manual reviews, and increase conversion of legitimate orders. The TeleSign technology provides ACI customers with multiple data points about their end-users, empowering businesses to determine the risk of their users and transactions in real-time.

The Logic Group

At The Logic Group, we have an unparalleled passion for building effective customer interaction. There’s nobody else in Europe with a comparable track record of managing information and transactions securely. That’s why we help many of the best known companies in Europe to maximise the value of their customer interactions.
We work with our clients as a trusted partner, ensuring that, through our services, products and solutions, their businesses run as effectively as possible – achieving enhanced customer interaction and insight, with maximum efficiency and reliability.
We recognize that the secure management of this information and transactions is mission-critical, so we ensure that they know that they can depend on our commitments, quality, responsiveness and professional excellence.

TransCentra

TransCentra is a new name with a long and deep heritage and a proven track record of success. As America’s largest outsourced remittance processor, one of the largest outsourced billers, and a top provider of imaging and payment processing platforms and software, we are an industry leader in innovative multichannel billing and payment solutions.

For more than 30 years, we have delivered transaction software and services under the Regulus and J&B Software names. Now, those companies are unified as TransCentra. Our customers include many of the largest and most trusted names in both the consumer and business-to-business markets across a variety of industries, including financial services, telecommunications, utilities, and beyond.

TSYS

In a bygone era, general store merchants greeted their customers by name and spent a minute or two in conversation before processing the transaction, which was a simple exchange of merchandise for cash. As customers selected their products, the merchants learned their preferences – both benefiting from the relationship.
Since then, transactions have evolved dramatically. Technology has extended the reach, scale and velocity of every transaction in a global payment chain. In this complex process, it’s easy to lose sight of that basic relationship.
At TSYS® (Total System Services, Inc.®), we see the evolution of transactions differently. While the old general store model is quite dated, we believe it’s possible to create more value in those relationships than ever before.
We make it possible for millions of people to make paperless payments safely and securely. Recognized as the market leader, we provide electronic payment services to financial institutions and companies around the globe. We work behind the scenes to offer unmatched flexibility, control and service quality to our customers through a broad range of innovative issuing and acquiring payment technologies, including consumer-finance, credit, debit, healthcare, loyalty, prepaid, chip and mobile payments.

UOLDIVEO

UOLDIVEO is a UOL Group company that provides services and solutions on ways to secure online payment and NF-and given, respectively, the standards of the PCI / DSS and PA-SPED.
Founded in 1999 by engineers from ITA (Aeronautics Technological Institute) in São José dos Campos – SP, the company began focusing on software development in Java technology for the application of PKI (digital certificates) in web and embedded systems.

US Financial Services Group

USFSG is a professional services and consulting group widely recognized as one of the top industry leaders. It engages with many of the largest companies and financial institutions in America, specifically to assist in reducing merchant credit and debit card processing expenses. By partnering with ACI Worldwide, USFSG will be able to deliver tailored services and consultancy to ACI’s customers and, in turn, will have a deeper knowledge of ACI’s technology when giving recommendations to other clients about how to deliver the best possible payments strategy.

Vantiv

For 40 years, our team of committed professionals has made us one of the most trusted and respected organizations in the payment processing industry. Vantiv combines our strong history of success as Fifth Third Processing Solutions with a focus on innovation and an energized, entrepreneurial spirit.
Vantiv is much more than just a name. It’s about bringing you innovative and forward-looking opportunities. It’s about creating solutions tailored to your specific needs. And, it’s about helping you reach your goals. We have built a solid foundation of success based on our integrity and commitment to our customers and we will continue to deliver that same great service.

Vendorcom

Vendorcom, the cards & payments community, is a membership organisation which represents key stakeholders in the cards and payments industry in Europe. Its primary aims are to promote innovation, create a platform for thought leadership, provide a forum for knowledge sharing and issues resolution for its members and encourage capability development across the cards and

Visa

Visa and ACI are partners in the financial services industry providing robust interchange solutions to ACI's financial institution customers. ACI works closely with Visa to develop new products for ACI's customers, as well as deliver high quality products which conform to Visa specifications in a timely manner.

Webteh

As a global provider in the provision of card and electronic payment processing services to acquiring banks and merchants worldwide, Webteh is unique. Webteh provides a range of friendly, innovative and functionality rich transaction processing solutions to financial institutions and merchants worldwide.
Webteh, based in Croatia and United Kingdom have been around for nearly 9 years enabling acquiring banks and their merchant customers to accept payment transactions in the online marketplace. Today Webteh support many acquirers with merchants in markets across SEE and EU transacting in different currencies.
All of this is provided through Webteh’s single payment platform which helps to drive down the significant costs associated with maintaining card scheme compliance and local regulatory compliance.
Since inception as a payment technology provider, Webteh have built a strong reputation with acquirers and issuers and is able to offer direct merchant accounts.

WhitePages PRO

WhitePages PRO, the business-to-business division of WhitePages Inc., provides access to intelligent contact data that gives businesses a 360 degree view of their customers, enabling them to quickly identify new and existing clients to improve call center efficiencies, validate online purchasers to predict and prevent fraud, and enrich contact records to strengthen customer interactions.
WhitePages PRO taps into WhitePages.com’s extensive database of more than 300 million landline and mobile phone numbers each with a unique set of corresponding contact data points. The company’s suite of products includes an API and Web Lookup solution to meet the needs of all size businesses.

Investor information

Copyright ACI Worldwide, Inc. 2015.ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP, the UP logo and all ACI product names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties’ trademarks referenced are the property of their respective owners.